The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$14,284
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,729
−HK$451/mo
Today · 4.125%
HK$15,180
baseline
▲ 0.50% · 4.625%
HK$16,104
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,360/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,891
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,317
−HK$433/mo
Today · 4.125%
HK$16,750
baseline
▲ 0.50% · 4.625%
HK$17,633
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,500/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,141
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,674
−HK$542/mo
Today · 4.125%
HK$18,216
baseline
▲ 0.50% · 4.625%
HK$19,324
+HK$1,108/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,432/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,069
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,581
−HK$519/mo
Today · 4.125%
HK$20,100
baseline
▲ 0.50% · 4.625%
HK$21,159
+HK$1,059/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,200/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,998
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,620
−HK$632/mo
Today · 4.125%
HK$21,252
baseline
▲ 0.50% · 4.625%
HK$22,545
+HK$1,293/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,504/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,248
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,844
−HK$605/mo
Today · 4.125%
HK$23,449
baseline
▲ 0.50% · 4.625%
HK$24,686
+HK$1,237/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,898/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,712
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,511
−HK$813/mo
Today · 4.125%
HK$27,324
baseline
▲ 0.50% · 4.625%
HK$28,987
+HK$1,663/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$54,648/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,604
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,371
−HK$778/mo
Today · 4.125%
HK$30,149
baseline
▲ 0.50% · 4.625%
HK$31,739
+HK$1,590/mo
Deposit HK$626K · loan HK$5.64M · min. income ≈ HK$60,298/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$161,433 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).